1st Bank of Troy in Troy, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches


1st Bank of Troy - Overview

  • General
  • FDIC Certificate #: 4788
    Status: Active
    Federal Reserve ID: 488055
    Bank Holding Company (Regulatory Top Holder): Don-Co. Investment Company (RSSDID: 1055904, Location: Troy, KS)
    Date Established: Febuary 04, 1870
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 3198
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 212 South Main Street, Troy, KS 66087
    County: Doniphan
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Kansas City
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Core Based Statistical Area (CBSA): St. Joseph, MO-KS (#41140)
    CBSA Metro Statistical Area: St. Joseph, MO-KS (#41140)
  • History of Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $25.0 mil
    Equity capital: $2.2 mil
    Deposits held in domestic offices: $22.7 mil
    Return on assets (ROA): 0.42% ($0.1 mil)
    Quarterly return on assets: 0.10% ($0.0 mil)
    Return on Equity (ROE): 4.59% ($0.1 mil)
    Quarterly return on equity: 1.10% ($0.0 mil)
    Net income: $0.1 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.44% ($109.9 mil)
    Quarterly Pretax return on assets: 0.15% ($37.5 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 7Total employees (full-time equivalent)
  • $24,975Total assets
  • $5,377Cash and due from depository institutions
  • $4,925Interest-bearing balances
  • $6,344Securities
  • $1,697Federal funds sold & reverse repurchase agreements
  • $11,122Net loans & leases
  • $172Loan loss allowance
  • $0Trading account assets
  • $180Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $24,975Life insurance assets
  • $255All other assets
  • $22,815Total liabilities and capital
  • $22,730Total liabilities
  • $19,487Total deposits
  • $22,730Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $85Subordinated debt
  • $2,160All other liabilities
  • $2,160Total equity capital
  • $2,160Total bank equity capital
  • $0Perpetual preferred stock
  • $50Common stock
  • $200Surplus
  • $1,910Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $101Long-term assets (5+ years)
  • $24,088Average Assets, year-to-date
  • $2,613Average Assets, quarterly
  • $23,225Volatile liabilities
  • $23,731Insider loans
  • $17,979FHLB advances
  • $24,339Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $2,105Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $370Restructured Loans and leases
  • $472Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,043Total interest income
  • $193Total interest expense
  • $850Net interest income
  • $79Provision for loan and lease losses
  • $209Total noninterest income
  • $0Fiduciary activities
  • $147Service charges on deposit accounts
  • $0Trading account gains & fees
  • $62Additional noninterest income
  • $881Total noninterest expense
  • $533Salaries and employee benefits
  • $92Premises and equipment expense
  • $256Additional noninterest expense
  • $99Pre-tax net operating income
  • $4Securities gains (losses)
  • $5Applicable income taxes
  • $98Income before extraordinary items
  • $0Extraordinary gains - net
  • $98Net income attributable to bank
  • $0Net charge-offs
  • $98Cash dividends
  • $19Sale, conversion, retirement of capital stock, net
  • $85Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.67%Yield on earning assets
  • 0.86%Cost of funding earning assets
  • 3.81%Net interest margin
  • 0.94%Noninterest income to earning assets
  • 3.95%Noninterest expense to earning assets
  • 0.41%Net operating income to assets
  • 0.42%Return on assets (ROA)
  • 0.44%Pretax return on assets
  • 4.59%Return on equity (ROE)
  • 0.61%Retained earnings to average equity (YTD only)
  • 0.17%Net charge-offs to loans
  • 415.79%Credit loss provision to net charge-offs
  • 9.37%Efficiency ratio
  • 83,192Assets per employee
  • 3.57%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 86.73%Loss allowance to loans
  • 1.52%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 48.93%Net loans and leases to core deposits
  • 48.93%Equity capital to assets
  • 8.65%Core capital (leverage) ratio
  • 8.65%Tier 1 risk-based capital ratio
  • 11.71%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $23,225Average earning assets
  • $2,134Average equity
  • $22,316Average loans

List of branches

  • 1 Kansas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    031981st Bank Of Troy212 South Main Street, Troy, KS 66087Febuary 04, 1870Full Service Brick and Mortar

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